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ChoiceOne Financial COFS Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

Ally FinancialALLY

16.5%+12.6pp

Huntington BancsharesHBAN

25%-2.1pp

Financial InstitutionsFISI

31.5%—

Capital City Bank GroupCCBG

23.7%-0.1pp

Pioneer Bancorp, Inc.PBFS

20.2%+0.8pp

Other financials

Income statement

Revenue$42.5M+35.9%

Net income$13.7M+199%

EPS (diluted)$0.91+171%

Balance sheet

Cash & equivalents$84.2M-39.6%

Total debt$2.9M+360%

Total equity$470.0M+10.1%

Total assets$4.4B+2.1%

Cash flow

Operating cash flow-$177.0K+98.1%

CapEx$1.5M+82.5%

Free cash flow-$1.7M+83.4%

Valuation

Market cap$490.73M+17.4%

P/E8.8×-49.4×

P/S2.8×-1.2×

Profitability

FCF margin19.5%—

Returns & leverage

Return on equity12.4%+10.2pp

Debt / equity0×0.0×

Where this comes from

Calculated from ChoiceOne Financial’s reported figures.

net income/total revenue=32.3%

Based on trailing twelve months.

The official record: ChoiceOne Financial’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ChoiceOne Financial's net margin?: ChoiceOne Financial (COFS) reported net margin of 32.3% in Q1 2026.
How has ChoiceOne Financial's net margin changed year-over-year?: ChoiceOne Financial's net margin increased by 362.9% year-over-year, from 7% to 32.3%.
What is the long-term trend for ChoiceOne Financial's net margin?: Over 4 years (2021 to 2025), ChoiceOne Financial's net margin has grown at a -10.9% compound annual growth rate (CAGR), from 27.6% to 17.4%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.